The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$51,995
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$53,612
−HK$1,643/mo
Today · 4.125%
HK$55,255
baseline
▲ 0.50% · 4.625%
HK$58,617
+HK$3,362/mo
Deposit HK$11.40M · loan HK$11.40M · min. income ≈ HK$110,510/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$969,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,844
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$59,395
−HK$1,574/mo
Today · 4.125%
HK$60,969
baseline
▲ 0.50% · 4.625%
HK$64,182
+HK$3,213/mo
Deposit HK$11.40M · loan HK$11.40M · min. income ≈ HK$121,938/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$969,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,394
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$64,334
−HK$1,972/mo
Today · 4.125%
HK$66,306
baseline
▲ 0.50% · 4.625%
HK$70,341
+HK$4,035/mo
Deposit HK$9.12M · loan HK$13.68M · min. income ≈ HK$132,612/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$969,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,412
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$71,274
−HK$1,888/mo
Today · 4.125%
HK$73,162
baseline
▲ 0.50% · 4.625%
HK$77,019
+HK$3,857/mo
Deposit HK$9.12M · loan HK$13.68M · min. income ≈ HK$146,324/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$969,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,793
−HK$4,564/mo
▼ 0.25% · 3.875%
HK$75,057
−HK$2,300/mo
Today · 4.125%
HK$77,357
baseline
▲ 0.50% · 4.625%
HK$82,064
+HK$4,707/mo
Deposit HK$6.84M · loan HK$15.96M · min. income ≈ HK$154,714/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$969,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,981
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$83,153
−HK$2,203/mo
Today · 4.125%
HK$85,356
baseline
▲ 0.50% · 4.625%
HK$89,855
+HK$4,499/mo
Deposit HK$6.84M · loan HK$15.96M · min. income ≈ HK$170,712/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$969,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,590
−HK$5,869/mo
▼ 0.25% · 3.875%
HK$96,502
−HK$2,957/mo
Today · 4.125%
HK$99,459
baseline
▲ 0.50% · 4.625%
HK$105,511
+HK$6,052/mo
Deposit HK$2.28M · loan HK$20.52M · min. income ≈ HK$198,918/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$969,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,118
−HK$5,626/mo
▼ 0.25% · 3.875%
HK$106,911
−HK$2,833/mo
Today · 4.125%
HK$109,744
baseline
▲ 0.50% · 4.625%
HK$115,528
+HK$5,784/mo
Deposit HK$2.28M · loan HK$20.52M · min. income ≈ HK$219,488/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$969,090 · Scale 2, in force from 26 Feb 2026)